HOA Risk & Market Intelligence
We track restrictions, enforcement power, due-process risk, and financial exposure across 4,000+ communities to show how private "mini-governments" really operate.
Why this matters: these scores show how much leverage a board has versus what homeowners can do to push back.
Core Intelligence
We track restrictions, enforcement power, due-process risk, and financial exposure across 4,000+ HOAs.
Members of the press or researchers interested in accessing aggregated HOA data or anyone who need fast, defensible signals on how private "mini-governments" are operating may contact us at support@homestandai.com.
Why this matters: these scores show how much leverage a board has over owners versus what appeal rights owners have to push back.
Our data shows that many HOAs now wield enforcement powers comparable to local governments without the same due-process protections.
Avg Enforcement Power
57
47% flagged as high-power
Plain English: higher = board has more ways to punish quickly.
Avg Due Process Risk
41
41% lack strong appeal rights
Plain English: higher = weaker notice, appeal, and transparency.
Avg Financial Exposure
59
82% undefined; 0% escalating
Plain English: higher = fines hit harder and pile up faster.
Avg Freedom Score
50
Low: 26% · High: 10%
Plain English: higher = owners keep more control over their homes.
Money + punishment
82% of HOAs have undefined fine ceilings; 0% escalate fines until compliance.
Homeowner rights erosion
41% score below 60 on procedural fairness, signaling weak appeal rights and notice standards.
Enforcement as leverage
47% of boards operate with high enforcement power — fines, broad discretion, and penalty risk concentrated together.
Undefined / uncapped
82%
Fine ceilings missing or vague
Escalating language
0%
“Per day” / “until cured”
Avg exposure index
59
Blends fines + power
Risk distribution
Together these signals show concentrated leverage: boards can pile on compounding fines while keeping caps vague. Pair with the Enforcement Power and Financial Exposure cards for a fuller view.
Weak notice and appeal language drives rights erosion. Watch for combinations of high enforcement power plus low procedural scores.
Below 40
26%
High-control environments
Above 80
10%
Owner-friendly policies
Center mass
64%
Middle band is shrinking
• Source: public HOA records, resale packages, and county filings
• Processing: Clause extraction using language models tuned on HOA corpora
• Scoring: enforcement power blends fines, discretion, and penalty risk; due-process risk measures notice + appeal language
• Coverage: 4,000+ communities across 40+ states; expanding daily
• QA: manual spot checks on high-variance states and outliers
HomeStand AI is the largest HOA intelligence platform focused on extracting structured insights from governing documents and advocating for homeowners against abusive practices.
Our dataset covers 4,000+ HOAs, making it one of the largest structured repositories of HOA rule intelligence available.
Need something specific? Email support@homestandai.com.